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A direct debit or direct withdrawal is an instruction that a bank account holder gives to his or her bank to collect an amount directly from another account. It is similar to a direct deposit but initiated by the beneficiary.

It is typically used to make recurring payments for credit card or utility bills. Unlike standing orders, which require the amounts to be fixed, direct debits can be used for varying amounts; the payee can simply indicate a different amount each time. However, in countries where setting up authorisation for direct debit is easy enough, it can also be used for one-time payments in the mail order business or even at a point of sale.

It is available in the banking systems of several countries, including the United Kingdom, Germany and the Netherlands. It is scheduled to be available across the whole Single European Payments Area by the end of 2010. In the United States, where cheques are more popular than bank transfers, a similar service is available through the Automated Clearing House network.

The biggest difference to a direct deposit is that there must be some sort of authorisation for the payee to collect funds from the payer's account. There are generally two methods to set up the authorisation

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